How much is auto insurance in Modesto?
The typical Modesto driver pays $1,880 per year for auto insurance. That's pricier than the average in California ($1,868) and pricier than the national average of $1,548. Our guide to Modesto car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
MODESTO CAR INSURANCE RATES
|Modesto Average (annual)||California Average||United States Average|
Compare rates instantly:
Modesto auto insurance premiums by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Modesto's most affordable premiums. We've listed the best cheap car insurance companies in Modesto below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
MODESTO AUTO INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
Modesto car insurance costs by age
Modesto drivers in their age_60s enjoy relatively affordable auto insurance rates, paying just $1,671per year, on average. Those in their age_50s don't pay significantly more ($1,683).
The Modesto drivers who face the priciest insurance rates are teenagers. When drivers hit their 20s in Modesto and move out of the teenage age bracket, they reduce their premiums substantially. In Modesto, teenage drivers pay $6,987 — a full $5,303 more than the second-most expensive rate paid by an age group.
CAR INSURANCE RATES BY AGE TIER IN MODESTO
|Age||Average Annual Rate|
Modesto car insurance rates by marital status and gender
In some cases, a driver's marital status and gender may affect their car insurance rates. In Modesto, married drivers pay $76 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Modesto, widowed drivers pay less than those who are single.
Gender is another factor that can influence auto insurance rates. In Modesto, female drivers pay more for auto insurance than do male drivers: $1 per year, to be precise.
MODESTO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
Modesto car insurance rates by accident and violation history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Modesto, a reckless driving citation results in an average insurance rate increase of $3,169 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,071 increase and a speeding ticket triggers a $771 rate hike.
MODESTO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,887|
|At-fault Accident (damages greater than $2,000)||$3,301|
|Speeding Ticket (16-20 mph over speed limit)||$2,650|
Modesto auto insurance rates by credit score
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Modesto drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their auto insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Modesto, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.
MODESTO AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|